For FERS employees, getting as much money as possible into the Thrift Savings Plan is an important part of retirement saving. But there's a timing issue that can catch people off guard: when you make those contributions can matter just as much…
The TSP Guide for federal employees starts with a simple reality: the Thrift Savings Plan will be one of the largest retirement assets they ever accumulate. But the TSP has changed significantly in recent years, with updates to Roth features, withdrawal flexibility,…
Interest in TSP Roth conversions has grown quickly since federal employees gained the ability to complete in-plan conversions in early 2026. The strategy allows participants to move money from a Traditional TSP to a Roth TSP without leaving the plan, potentially creating…
Divorce creates enough financial complications on its own. For federal employees, there is another layer that can affect retirement planning long after the divorce is final.
When a divorce settlement awards a survivor annuity to a former spouse, that benefit can reduce…
March proved challenging for Thrift Savings Plan participants. After a strong start to the year—especially in international equities—markets shifted as rising global tensions pushed investors toward a more cautious posture. Although a late-month rally on March 31 helped limit the damage, most…
The Thrift Savings Plan has reached a significant milestone. According to the Federal Retirement Thrift Investment Board’s January 2026 Participant Activity Report, total TSP assets climbed to $1.073 trillion as of December 2025. This reflects decades of steady contributions from millions of…
February 2026 marked a clear turning point for Thrift Savings Plan (TSP) participants, with international stocks delivering standout gains while U.S. equities faced headwinds. Economic crosscurrents sparked a rotation toward overseas markets and away from U.S. mega-caps. This dynamic highlighted the TSP's…
Your TSP account doesn't follow your will. It doesn't follow a divorce agreement, a prenuptial arrangement, or a court order. It goes to whoever is listed on your TSP beneficiary designation form.
If you've never filled out Form TSP-3, or haven't updated…
A late-November stock-market rally helped deliver a boost to Thrift Savings Plan (TSP) performance in 2025, underscoring how strategic fund allocation can impact retirement outcomes. Federal employees with assets in the stock-based funds saw notable gains, while those in conservative funds experienced…
The Thrift Savings Plan (TSP) serves as one of the three key components designed to ensure financial stability for retired federal employees. For many, it plays a vital role in supplementing Social Security and FERS annuity benefits. While the TSP offers several…